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Top 6 ways for you to save on auto insurance in Georgia

Living and driving in Georgia can be a hassle if you take into consideration Georgia auto insurance laws. With so many regulations and compulsion of getting insured, incurring no cost at all is impossible. This in turn means that you would now on have to deal with monthly premiums and other related costs.

This thinking although somewhat acceptable but is not completely true. The biggest problem now-a-days is that people make the price of the policy their standard of deciding whether it is good or not. This factor although matters, is not the only important aspect to be inspected while judging the policy. This lack of information results in people paying more than they have to; resulting in wastage of resources.

Stop being lazy and shop around in search of the right auto insurance policy that fulfills your needs. Here are some guidelines mentioned by the Georgia Department of Insurance that lets you save $100 on your auto insurance policy within a year. So if your hard earned currency holds value to you then you would adhere to the following:

GeorgiaAutoInsurance1. Price is not the only factor- just because the company is offering you low rates, does not mean that you should choose it with your eyes closed. Make sure that the company and the agent are licensed by the Georgia insurance department. Considering the probabilities of insurance frauds, a non-licensed company might be useless when you need it. The next features that you need to take into consideration regarding the company are its financial position ad stability and the level of its customer service. If the company is not financially stable then there are chances that it might liquidate in the future or it might lack sufficient funds to pay off any claim against you, when you require them. There might be some who would fulfill the above criteria, but their customer service will be incapable to deal with your problems and claims on time. A delay can cause problems with the court where the claim is filed. You can easily attain all this information from the website of the Georgia insurance department, rather searching extensively throughout the internet.

2. Avoid buying unnecessary coverage- there are certain coverage that you are liable to attain as per Georgia auto insurance laws like auto liability insurance. This is to protect the rights of the other person in the accident; caused by your negligence. In addition to this there is numerous other coverage that are at the option of the insured. If you think about being safe than sorry, the premium cost would be extremely high leaving you with nothing. It is better to ponder on the options available and rule out those which are applicable in situations which are least likely to occur. For example if your car is old and already has a low market value, then it does not seem smart to spend a high amount of premium on comprehensive or collision coverage. While on the other hand, if you have purchased the vehicle on installments, the seller might require you to attain collision coverage, before making the deal.

3. Consider an increased rate of deductible- most people tend to avoid high deductibles and prefer policies that provide low deductible. This is a layman approach. It might sound logical to some that since they are getting an insurance policy it is better that they do not have to pay a single penny out of their own pocket, and the insurance should pay for nay damages and repair in case an accident occurs. This is not possible, since in every policy there is a deductible clause. This mentions the cost the insured would have to bear on his own if any circumstance occurs where a claim can be initiated. Since, the insured has to pay some amount out of his pocket; they choose the next best thing, that is to go for the least value of deductibles.  This in turn reflects in a higher amount of premium and greater amount of payments to be made until the insurance can be used. It is better to select a policy with higher deductible to the extent that you consider affordable for you.

GeorgiaAutoInsurance4. Inquires about the probability of discounts- under certain circumstances an insurance company might offer you a discounted amount of premium. Each company has different policies to determine who is eligible for it and who is not. These mostly include circumstance that reflects upon the company that the chances of a claim by the person are quite less. This might be because the person has got special certificates of defensive driving; signifying you an advanced level of driving; or because of an age factor. It is better to consult your agent on such criteria and your eligibility.

5. TAIPA plan- there are certain people whose low grade driving skills make them a threat to themselves and others on the road. In such circumstances the Tax Automobile Insurance Plan Association makes it mandatory to get auto insurance coverage as a legal obligation. They also prescribe the company they are required to get insured by. In such circumstances the person cannot decide his own insurance provider. But if that person has been insured by the company prescribed for three years and has not gained a ticket or committed nay road offense, then you get cut off from the TAIPA list and get insurance for a decreased premium rate. The criteria to be covered by TAIPA are to be rejected from two companies to get insured.

6. Compare the quotes of different companies- rather than getting a quote from a single company and spending all your time pondering and researching on it; it is better to attain quotes from different companies and compare them among each other to make best possible choices. (2)

You do not even have to go up and contact numerous companies, just type your ZIP code in the above box and get all the information in a mere 3 minutes. Compare all you want with no cost and reliable information!

11 Different Types of Auto Insurance In Georgia

Georgia is one of the largest states of America. Similarly there are many regulations relating to car insurance in GA. Since not everyone is a law wizard, many different questions arise especially after the liability auto insurance coverage. Here are all the questions relating that you might get confused or curious about and the answer to them.

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Q. How can you regulate such a large state?

There are many rules and penalties set up to organize the insurance responsibilities in Georgia state although “Tesxasure” is the government verification program to determine whether the driver is insured or not.

Q. What if I drive without car insurance in GA?

This is a bad idea since you can get heavily penalized for driving without insurance in Georgia. If you get caught for the first time then you get penalized for 75 to 350 dollars. Similarly the range of penalties varies according to the degree of offense and damage caused. The highest reprimand is for causing serious injuries with maximum fine limit and/or a jail for a year.

Q. What can I do since I cannot afford insurance?

There is no such thing like cannot afford insurance. If you can afford to drive a car in Georgia, you need to get insurance at least liability insurance. Otherwise, you might have to pay the penalty

Q. Do I need to check my driving record?

Your driving record can have a great impact on your policy rates. Also, DMV record keeping abilities are not perfect so you need to keep a check on whether your record is properly being maintained or not; otherwise wrong records might result in higher premiums.

Q. Vehicle insurance verification– how do I do that?

So you might have insurance, but must have heard about vehicle insurance vehicle verification and wondered what it was and how can you get it. Well, if you have insurance there is nothing more to do. The certificate you receive after insurance is proof enough. This is just the name of the program by Georgia authorities to catch uninsured drivers.

Q. Policy cancelled- what do I do now?

Under any circumstances you can easily ask them to renew it. They cannot reject it unless if you have been a policy holder for more than 12 months. If they do, you must receive a 30 days notice.

Q. Do I have any rights after canceling policy?

No matter what reason behind the cancellation, you can ask for the return of any premium that you might have paid in advance to the company. If it was cancelled after some accident, then they need to cover the loss. Similarly they need to give a 30 day notice as per law.

All you need to do is fill the above box with your ZIP code, and a list of the insurance providers with their policies, rates and other data will be at your dispense. You just have to wait for only 3 minutes, and compare them with your current policy. Hurry and compare before you lose any money in unnecessary payment of premiums.

 

Common Mistakes That People Make When Buying Auto Insurance In Georgia

Auto insurance in Georgia covers a vast variety of circumstances to provide the driver with the mental peace. In addition to this, the auto insurance law of Georgia also compels a person to have insurance. Different requirements are set for different people. If you are liable to carry insurance, then it is better to be aware of the circumstances in which it will be effective; so that you can convert your legal obligation to a personal asset.

If you observe most of the policy coverage that are generally available these days, it is observed that there are six basic types of auto insurance coverage. There are planned on the basis of the most common types of road accidents. In addition to these, there might be some extraordinary circumstances in which you can get covered in your policy. It depends on you whether you choose minimum coverage or an extensive package. You can check whether you have gotten the right policy and rates by comparing it with the other auto insurance in Georgia.

One needs to have the basic knowledge about the coverage so that they do not get “over-insured”. This might result in payment of higher premium; even though the probability of utilizing that clause of the policy in reality. Here are the general concepts regarding the basic types of coverage of auto insurance in Georgia.

1. Liability coverage: every driver in Georgia is liable to get liability coverage of minimum 60, 000. This does not cover any damage done to you or your vehicle or any property under your name. if you ever have been in an accident in which you were found guilty of being at fault, then this covers the damage caused to the other person and his property. Most of the time, the minimum liability coverage is insufficient to completely compensate the other person’s damage. This provides the coverage whether you are driving your own car or somebody else’s car.

2. Property damage liability:  this is the extension to the liability coverage clause. This covers the damage done to the property of the third party in an automobile accident, in which you were found guilty of being responsible for it. The minimum state limit set by Georgia authorities for property damage is $25,000. You get insurance for a higher amount. A deductible might be a part of this. This protects you from any future damage that you might be sued for.

3. Comprehensive coverage: this comprehensive coverage in Georgia covers different type’s circumstances that might result in your car getting damaged other than normal circumstances in which the damage occurs due to collision with another car. These might include hurricanes to other natural disasters. This would also come into action if the vehicle gets stolen or have a collision with animals.

4. Collision coverage: the name is self-explanatory. This covers the damage incurred by you in collision with some other vehicle or stationary object. Some policies also provide coverage for damages after moving over some hole or turn upside down due to any reason. Their primary action is to pay for any repair cost incurred in bringing the vehicle in proper working condition. If the vehicle cannot be repaired, then the insurance providers provide the amount equal to the current value of your vehicle.

5. Gap insurance: it is observed that when a new car is bought it loses its value quickly. This insurance covers any damage incurred by the car during this period of rapid depreciation. This is also called lease insurance. This is important since the normal coverage only reimburses the amount equal to the current value of the car.

6. Rental insurance: this is a rare occurrence, since numerous policies would not cover you if you become a part of an accident while driving a rental car. Such policy covers laws relating to different types. This might provide personal as well as liability coverage. Although it does not cover provision of a rental vehicle when you car gets damaged.

7. Physical damage coverage: this includes comprehensive, collision and theft coverage. Georgia requires every person to carry a minimum amount of damage. This is effective when your car is under the process of repair but allows you to be prepared for future fatalities and auto issues in general.

8. Uninsured driver coverage: if you get in an accident in which the other party is at fault but it does not have any insurance coverage to protect you; then covers the cost of any medical damage incurred by you or the people travelling with you.

9. Fire and theft coverage: In 2010, 68,220 stolen vehicles were reported in Georgia; with the value of $635,570,078. That is why it is smart to get theft and fire coverage in Georgia. The cause of fire might be varied, even if the fire occurred due to collision.

10. Bodily injury liability: If an accident caused by you results in any other person injured, then you can use this to compensate any damages that you might be sued for. This does not give any benefits to you or any other driver mentioned in your policy. This might include the injured person’s medical bill, rehabilitation and nay other therapies required. The minimum liability of Georgia authorities is $30,000.

11. Personal injury protection: It is also called medical payment insurance. It provides similar coverage like bodily injury liability. The main difference lies in the fact that it covers medical and health costs for you, in case of an accident. This can work in hand with your medical insurance. You might be lawfully liable to get this insurance. This is a great way to ensure extra protection.

Now that you have acquired the basic knowledge about the different types of coverage at your expense, it is time to find out that are you smartly insured or are being taken advantage of by your insurance provider. Just add your ZIP code in the box above, and within 3 minutes you would get all the information from different policy providers with regards to their cost.

How Can I Get Cheap Georgia Auto Insurance Quotes Online?

Why do you buy auto insurance? It might sound to you like a very silly question however it is a very important question that you need to ask yourself. There are a lot of people who do not spend quality time while buying their auto insurance policy. They buy insurance as it made by mandatory by the state of Georgia. However they might have to repent about their actions when they come face to face with an unfortunate incident. You might have to face a lot of troubles in the future if you do not spend proper time focusing on the product that you are buying. Outlined below are a few common mistakes that people end up making while buying auto insurance in Georgia.

CheapCarInsuranceInGeorgia1. Purchasing just the mandatory cover to save on premiums

This is one of the most commonly observed mistakes that people make while buying auto insurance coverage. There certain basic coverage that has been stipulated by the state of Georgia Insurance for every vehicle owner. I order to save money some of the vehicle owner’s end up buying just the required minimum amount of coverage. However they need to understand that the coverage limit has to be decided by taking in to account a lot of factors like the vehicle value, lease or car finance etc.

2. Making false declarations

The next big mistake that you can make while buying your vehicle insurance coverage is to make false declarations about your vehicle. What you need to note in this regard is that certain false declarations could even get you some discounts in the initial phases, however in the event of you making a claim it could very well turn against you and your claim could end up getting rejected. You will also run the risk of facing lawsuits for making false declarations.

3. Your credit score matters in car insurance

One of the most important factors that could affect your insurance premium rates is your credit score. Make sure that you have good credit score while buying your vehicle insurance. It is a standard practice among insurers to checkout your credit score before offering you insurance premium rates. Many vehicle owners are still oblivious to the fact that their credit score can impact their vehicle insurance premiums in a positive and negative manner.

4. Buying insurance without checking service levels

With so many avenues like internet in front of you it is mandatory that you check how good the service reputation of the insurer is before you end up buying your vehicle coverage. You can easily check reviews and feedbacks posted by previous customers of the insurer online. This will give you a correct idea on how you will be treated by the insurer in the vent of you making a claim. You can also ask for references from people who have had such an experience with the insurer and take into account their views before making a final choice on buying car insurance in GA.

Do enter your zip code above to know how cheap your car insurance can turn out to be for you.

How Can You Get Cheap Quotes For Your Car Insurance?

While it is common knowledge that all states have laid down certain rules and guidelines that all vehicle owners must follow mandatorily, there are a number of cases being reported where these rules are being violated. People who violate such rules often end up paying heavy penalties or face punitive actions. Some of these people commit such mistakes because of ignorance of the Georgia auto insurance laws. However there are other who ends up in trouble because of carelessness and negligence. It is better to follow the laid down laws clearly as it would means less trouble for vehicle owners and others. Mentioned below are some of the laws laid down by the state of Georgia that you should follow

You must have records to prove that you are financially responsible

The guidelines laid down by the state of Georgia states that all vehicle owners must purchase vehicle insurance third party coverage according to the stipulated amounts. Vehicle owners must make note of the minimum liability coverage and ensure that they have recordical proof of the said coverage in their vehicle at all times. In case they are unable to produce such proof of liability coverage when asked for they are liable to pay fines.

Cover your lease and loan as per the requirements

Thought the state has set forward guidelines on the minimum amount of liability coverage that you should purchase for your vehicle this will not be the case in case you have leased your vehicle or bought it by availing a car loan. In such cases the financier or the vehicle dealer will insist that you buy a coverage that will cover their risk in case the vehicle meets with a major accident. It will also be safer for you to have such coverage as it will reduce your liability in the event of such unfortunate happenings.

Minimum liability coverage limits

While it is well known fact that there are certain pre-set liability coverage limits that the state of Georgia has imposed on its vehicle owners there are still cases where owners do not fully comply to such rules. What vehicle owners need to understand is that such coverage’s are made mandatory under law with an intention to protect their interest also. Always makes sure that you consult with your insurer to double check if you vehicle has been insured according to the state laws.

Make sure that you pay your fines on time and take corrective action

In spite of following Georgia auto insurance laws a small oversight or delay on your part could end you getting imposed with a fine by the state. In such cases make sure that you pay your fines on time and take the necessary corrective action at the earliest. Delay caused in taking such corrective actions can cause further damages to you like cancellation of your registration etc.

Enter your zip code in the box given above to get cheap car insurance quotes by the top insurance companies in your area.

Informations You Are Required In Getting The Best Auto Insurance Quotes In Georgia

The automobile insurance is a must by the Georgia Auto Insurance Laws and you should have it to be able to drive in the city. There are many insurers and agents who are competing to get you to join their insurance company and you can easily get the price quote from them. By law, it is important to have bodily injury coverage, automobile coverage liabilities and uninsured automobile coverage. This coverage is compulsory which means that you need to get by the law.

liability and body injury GA auto insurance will protect you if you injure, kill or damage another person’s property. The coverage will help you to pay all the legitimate claims to the limit that you have agreed upon with the company.

The accidents benefits coverage will help you to get different benefits in case you are killed or if you are injured in the accident. The benefits include the income replacement if you are incapacitated for some time. The non-earners benefits if you became incapacitated for life. For the person who needs extra caregiver, the coverage will cover for this. The coverage pays for the attendant care, rehabilitation and medical expenses. Other expenses are funeral expenses as well as the payment for the survivors.

The uninsured automobile will protect the holder when he is killed or injured by the uninsured person. It will also cover you if you are involved into the hit and run accident but when you were not at fault. It also covers the damage that may be done to the auto mobile when the insured is not recognized or if he is not insured.

 Direct compensation & property damage (DCPD). This will allow you to claim the damage for your vehicle in case it has been damaged by another person’s car. This coverage is used when you get involved into the collision which was not your fault.

Even if under the Georgia Auto Insurance Laws, you may not be required to have the comprehensive or damage coverage, it is always important to have it if you are still making the payment on your car. The lienholder or the owner of the car may require you to take this coverage so that his interests in the car are protected.

The GA auto insurance coverage that are optional to take are the following. The collision will cover you if you are the one that caused the accident or if your car has been hit by unidentified object or vehicle. Comprehensive coverage will protect you against any damage that can take place on your vehicle including the vandalism, theft and fire but it does not cover the damage that it is caused by the collision. All perils coverage is the coverage which combines both the comprehensive and collision damage.  The specified perils cover is the coverage that covers the damages that have been specified in the policy.

Depending on your situation, you can take up more coverage than the minimum required by the law. (1)

If you wish to acquire information about the costs that would incur for all these types of auto insurance coverage, just enter your zip code in the box given above!

Helpful Informations About The Different Classes Of GA Auto Insurance

Purchasing a car insurance policy is not an easy job. There are a plethora of things that you need to do so as to make sure that you get the best possible rates around town by the top providers in your area. First of all, you need to start off with looking up the best auto insurance providers in your area. The second thing that you need to do is acquire quotes from multiple providers and carry out a basic comparison on them. This is necessary for the simple reason that it would allow you to make sure that you do not get scammed.

Getting multiple quotes would help you see what the ongoing premium rate is in your area and it would also make it possible for you to stay away from providers that are nothing but scams and are out for your money only with no regards what so ever for your personal integrity. Obviously, when you approach an auto insurance provider, it is necessary for you to provide certain bits of information that are associated with you, your job, and your profession and of course – your finances.

Information that you need to provide to car insurance providers in Georgia

If you want to get car insurance in GA, you have to keep the following information handy:

Information about the vehicle that you wish to get insured

For the vehicle that you want to insure, you should have the estimated distance which you may drive every year, the body type, model, the make and the year of the vehicle. If your car is not paid in full, then you have to include the address of the Lienholder. The automobile use is what you use the vehicle for such as driving to the school, to work, business or pleasure. All of these bits of information are basically meant to help the auto insurance provider get a clearer picture about how widely and commonly it is used.

Personal information about yourself

You have to also provide the following information when you go to apply for the car insurance in GA. Provide the name of the driver, the license number, class of insurance and date of birth. If there is more than one driver, then you have to provide the information on how long you expect every driver to use the car. All of these elements would basically make it possible for the insurance provider to take a peek in to your life, see how frequently you drive your car and basically learn how many people use your car to be able to give a proper auto insurance quote.

Information about any driver’s trainings that you might have taken

If any driver has any driving training, then it is necessary for him to provide the certificate of his training to the auto insurance provider when they apply for the insurance policy. In this way, you may qualify for a discount and that would actually help you save quite a bit of money that you would otherwise have had to pay on your auto insurance premiums. If there are many people in the household who have licenses, then you can include them in your application. It is necessary for you to provide information that is genuine and legitimate. The fact is that the auto insurance company that you have approached would be carrying out a proper search to validate things that you have told them and if anything turns out to be a lie, you would face serious charges.

Information about other drivers that use your car

You have to also report if any of the drivers listed on your application may have gotten their vehicle permit or license cancelled within six years. You have to report any automobile insurance cancellation from any other company within 3 years. You have to report also any case involving the car insurance fraud against you or any of the drivers you listed in the application. Once again, it is necessary for you to provide information that is truly legitimate as you might suffer from severe consequences if it is found that you have lied.

Information about any driver’s convictions that you might have faced in the past

While applying for the Georgia cheap car insurance, you have to report any driver’s conviction, insurance claims and collisions accident you got involved into in the past. You have to provide all the details about the claims that you may have lodged within the last six years. You have also to include the amount paid for the claim, the claim type and the date of the claim. If you are not sure of what to fill, you can ask a help from the insurance representative.

The information that you provide will be the basis of calculating the premiums for your Georgia cheap car insurance as well as the terms and conditions that will be set for your policy in case you are approved. When you sign the application form, it is one way to confirm that the information you have provided is accurate. Even if the form may have been completed by someone else, signing is a sure fire way to guarantee that you agree with the information provided.

Since the insurance company may take time to verify the information you gave, it is important to ensure that you are giving accurate and complete information. If you give any false information, your policy can be canceled or become invalid. If your policy is canceled because of the misrepresentation, you may find a hard time to get a new policy and if you get it, you will have to pay expensive premiums for it. So, in order to save yourselves from all such issues and concerns, it is necessary for you to make sure that you provide information that is accurate and true, with not a trace of lie in it.

If you want to know more on how much you can pay for your car insurance in GA, then you can use your zip code to get an online quote.

A Closer Look At The Differences In Auto Insurance Coverage

If you have never actually bought auto insurance before, you may be asking yourself many questions such as what is the car insurance in GA, what is its benefits and how you can reduce the premiums you pay for your car.  The car insurance also called the motor or auto insurance is meant to protect your car against any problems that you cannot foresee. Normally, it is used to protect you against any loss on your car but which cannot be avoided. You can use it to protect yourself against the liabilities, accidents, financial loss and theft. The cover can be for the third party, the insured vehicle and the insured party.

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The rates that you pay for the coverage will depend on different things which may include the type of the coverage that you are taking, the car value and the vehicle classification among others. If you have car insurance, you will be able to drive peacefully and in case of the emergency, the insurance will compensate the loss suffered by the policyholder.

It is hard to decide about the best Georgia cheap car insurance especially because of the large number of the companies that vie for customers. It is important to take enough time to learn about the insurance policy that will fulfill your needs even if it can be time consuming. Nowadays it is easy to save by learning about different car insurance policy online.

While comparing the insurance company online, it is important if you compare both the features and the price. The IDV is the money that you can get in case you have lost your car completely. If you want to pay less premium, then the insurance company may also reduce this amount. Voluntary excess is when you agree to pay a certain amount in case of the accident and the amount can be reduced on the rates you pay. No claim bonus is the bonus you get if you did not claim from the company for a certain period.

The cover note is valid only for 60 days while waiting for the car insurance in GA policy document, in case you do not get the policy after 60 days, then you are not insured. The cashless settlement is when you will be settled but without having to be paid any money. This is will tie you down with a certain garage and company. If you are traveling with other people, then you can get the accident insurance for them. You have to make sure that you gave truth information about yourself since it will be counterchecked before you are given the coverage. There are many misinformations in the market which means that you have to be careful on where you get the information you use. Regardless if you have Georgia cheap car insurance or not, it is important if you make sure that you always drive safely. You should never drive if you are under alcohol influence since this can affect the premium you pay over time.

If you are new to the notion of auto insurance, you can learn how much you should be paying for it by entering the zip code of your area in the box given above and you will get an instant quote.

Find Out About DUI For Underage Drivers

If you are looking for auto insurance in Georgia, some of the concerns that you may be having are the following. You may be asking yourself if all the insurance companies offer the same discounts and coverage. The answer is that this is not true. Even if you can get the same protection from all the companies such as the uninsured motorist, medical payment, Personal injury protection, comprehensive, collision and liability coverage, the specialized and the discounts coverage that you will get from the companies may differ from one another. You can also find out that not all the companies will offer the same good driving discount, student discount, deductible reduction and payoff coverage discount.

If you are not sure if the insurance companies are under the law, then you have to know that every state has the body which set the minimum and the maximum rates that the customers have to pay. This means that the company may not deviate from the rates that have been set. The states also have the regulators who will review the information and the regulation charged by the insurance company.

While buying Georgia car insurance, you can be concerned about the reason why the agent rates may be different from the quotes you get from the phone or online. The answer is that the agent and the company may have different rate depending on how much they spend. When you buy from the broker or from an agent, the rates that you will pay include the commission of the agent. When you buy directly from the company, then the rate you pay will also include the sales centers maintenance cost, marketing cost, staffing cost and building cost.

While out to purchase auto insurance in Georgia, sometime you may also be not too sure of the insurance coverage that you need. Your own preference or your situation may dictate the insurance you should buy. Before you choose a certain insurance coverage, you have first to take time to learn how much you are able to pay out of your pocket if you run into an accident. If you choose low limits then you will be responsible to any cost that exceeds these limits.

If you have not yet paid your car in full, then you have to get the collision and comprehensive coverage in addition of the liability coverage. You can also decide on the coverage depending on the car you drive. For example if you drive an expensive car, it is always advisable to have high limits on it. You can also save with the Georgia car insurance rates if you exclude the drivers who live in your home but who do not drive your car.

If after getting the insurance coverage for your car you find out that you need less or you need more, you can still change your policy. Every company has a sales person who will help you to understand everything. You can also learn about the rates that you are supposed to pay by entering the zip code in the provided box and you can get an instant quote of how much you would be required to pay for different coverage.

A Close Look At Auto Insurance In Georgia

The state of Georgia deems it necessary for every single driver in the state to present a proof of their financial responsibilities towards their vehicles by purchasing what is known as a liability insurance policy. But in certain cases that are extremely rare, it is possible for individuals to even get their vehicles self-insured by approaching the Office of Insurance and Safety Fire Commissioner. In order to get a vehicle registered, it is necessary for the owner to present a proof of GA car insurance. Back in the year 2002, the state of Georgia deemed it necessary for all the insurance companies to submit and electronic copy of the information of the policy holder to the Georgia Electronic Insurance Compliance System.

cheapAutoInsuranceInVirginiaIn the year 2010, the minimum liability insurance requirements in the state of Georgia for the ownership of a car have been set at what is generally known within the state as 25/50/25. The first two basic numbers, which are 25/50 are basically represented in thousands of dollars and are indicative of the limit that has been set for personal bodily injury liability. The last number which is 25 is used to indicate the limit that has been set by the state for property damage liability. For instance, consider that an accident takes place and is basically caused by a driver that has minimum Georgia liability insurance, than every single person that gets injured in the other car is going to receive up to $25,000 with a limit per vehicle of up to $50,000. Any additional expenses that occur can easily be acquired by the injured party by filing a suit against the driver. Damages that have been caused to the vehicle will be paid for up to $25,000. However, if the injured party wants to, they can pursue any additional property damage claims in court as well.

People that possess a lease or an outstanding car note are required to buy more than the preset minimum liability insurance. The leasing company has the potential to protect the investment that it has made in the car by fixing its very own minimum liability amount. However, the owner of the car has the ability to increase the GA vehicle insurance coverage amount on their vehicle so that they can be protected against law suits just in case an accident is caused because of them. This additional coverage amount plays a major role in averting them from lawsuits that might be filed against them in case an accident takes place because of their negligence or carelessness.

Lapses in coverage and the fines that is applicable on them

•             Fines for Lapses in Coverage

•             The state of Georgia allows a 30-day grace period for new insurance information to be electronically submitted to its database.

As of 2005, if there is an additional lapse of 10 days without Georgia auto insurance, the car owner will be charged a lapse fee. If the lapse fee has not been paid within 30 days, the car’s registration will be suspended, and an additional reinstatement fee will be added. A second lapse within a five-year period requires a mandatory registration suspension of 90 days. A third lapse within a five-year period requires a six-month suspension and a higher reinstatement fee. If the car was sold, stolen or repossessed, the former owner must submit an affidavit to the Georgia Department of Driver Services to have the fines removed.